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KOHO Referral Code - Sign up and Get $100

December 6th, 2025
Grace Guo

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Grace Guo

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If you’ve seen a KOHO referral code floating around, it’s basically a signup bonus.

Use a valid referral code when you create your KOHO account, spend $20, and you can earn a $100 cash bonus.

How the KOHO Referral Bonus Works

Typically, a KOHO referral offer looks something like this:

  1. Get a referral code from an existing user or use this link.

  2. Download the app and sign up as a new user.

  3. Get verified and spend $20 or more on your account.

  4. Receive your $100 bonus in your account once you’ve met all the actions. (Within 7 days)

You'll also get 3 months KOHO Everything FREE

Once your account is set up and your referral bonus lands, you can get even more value by using the KOHO Everything Account:

  • Grow your savings with 3.5% interest, one of the highest rates in Canada

  • Earn a 2% cash back rate on groceries, eating, drinking, and transportation and 0.5% cash back on everything else

  • There are no foreign exchange fees, so you save on international purchases and travel

  • Unlimited transactions and free e-transfers

  • No minimum balance required, ever

Sharing Your Own KOHO Referral Code

Once you’re set up:

  • You can usually find your referral code inside the app.

  • Share it with friends and family so they can sign up and get the same kind of bonus offer (subject to current terms).

  • Some referral programs also reward the existing user, so you may earn bonuses when others join through you.

Note: KOHO product information and/or features may have been updated since this blog post was published. Please refer to our KOHO Plans page for our most up to date account information!

About the author

Grace is a communications expert with a passion for storytelling. This hobby eventually turned into a career in various roles for banks, marketing agencies, and start-ups. With expertise in the finance industry, Grace has written extensively for many financial services and fintech companies.

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